Your maternity cover

Transcription

1 Your maternity cover A helpful guide for parents to be.

2

3 Your guide to HBF maternity cover Getting ready to have a baby is an incredibly exciting time. But before you start your family, there are lots of things you ll need to consider. We ve put together some useful information about HBF maternity cover to make the process easier and to help you plan ahead, so you can make this the best experience it can possibly be. Planning for your pregnancy...4 Now that you re pregnant...5 Choosing your obstetrician...5 Choosing your hospital...5 Understanding the costs...7 Private hospital benefits...7 IVF benefits...8 Additional costs for your baby...8 After your baby arrives...9 Understanding your bills...9 Hospital bills...9 Specialist bills...9 Easy ways to claim

4 43

5 Planning for your pregnancy When it comes to having a baby it s important to plan ahead. Not all policies include maternity or IVF, so the first thing you need to do is check your cover. We recommend you give us a call or visit a branch so we can give you advice on the best cover to suit your needs. You ll also need to check that you re eligible for the 12-month maternity waiting period. If you d like to have your baby privately, you ll need to take out hospital cover that includes maternity at least 12 months before your due date. It can also be useful to check if your policy covers services you can use to optimise your health and wellbeing before and after you re pregnant, such as physio, exercise physiology, yoga and pilates programs, Friendlies health checks, flu vaccinations, nutritionist consultations, quit smoking aids and psychologists. 54

6 Now that you re pregnant Once you reach this stage you have some important decisions to make, including choosing your obstetrician and choosing your hospital. If you choose your obstetrician first, you don t always get to choose your hospital and vice versa. Choosing your obstetrician We recommend choosing your obstetrician as soon as your pregnancy is confirmed, so you can get consistent care throughout your pregnancy and birth. You may need to contact a few to find someone who is available around your due date. Questions to ask: Are they taking new patients? At which hospitals do they deliver? Can they provide a cost estimate? Do they charge an admin fee? HBF has a range of fully covered obstetricians to choose from. To find a local obstetrician in your area, call us on Of course, you can also choose an obstetrician your family or friends recommend. If you choose to do this, please give us a call for a benefit quote, which will explain what HBF will cover and any out-of-pocket expenses you may have. Choosing your hospital To help you get the best value, HBF has special arrangements with a large network of hospitals across Australia. We call these Member Plus hospitals. You can avoid or limit your costs by having your baby at a Member Plus hospital. If you ve chosen your obstetrician first, they ll tell you which private hospital they will deliver your baby in. However if you want to choose your hospital first, we recommend choosing a Member Plus hospital to keep your costs down. What are the benefits of choosing a Member Plus hospital? Access to a private room so you can enjoy your baby s first days in your own space to help you bond. Generally more time in hospital with your baby. Meals and a bed for your partner (usually a double bed if one is available) so you can spend as much time together as possible and have the benefit of their support. Having as much control over the experience as possible. For example, public hospitals may not allow you to choose flexible meal times. Access to nice-to-have optional extras, such as a daily newspaper, local phone calls and free-to-air TV. 5

7 We recommend you research a few potential hospitals and arrange a visit so you can check their services and facilities before you make your decision. For a full list of Member Plus hospitals, call us or go to hbf.com.au/ health-insurance/find-a-provider We recommend you call us for a benefit quote before booking a hospital. We ll help you understand how your cover works and if you ll have any out-of-pocket expenses. You re legally entitled to know what your costs might be before going to hospital. If your hospital stay involves any out-ofpocket charges, the hospital and your obstetrician must disclose your costs and obtain your agreement in writing before your admission. The only time informed consent is not required is an emergency where you are unconscious or otherwise unable to give consent. In these circumstances consent is deemed to be given. 7

8 Understanding the costs Before you have your baby, we want you to have a clear expectation of what your out-of-pocket costs might be so there are no surprises along the way. HBF will pay a benefit towards the following inpatient services (when you are admitted to hospital to have your baby): Private hospital accommodation, nursing and food. Labour ward and theatre fees. Intensive care. Your obstetrician and anaesthetists fees while you re in hospital. Some obstetricians and anaesthetists may choose to charge more than the Medicare Benefit Schedule (MBS) fee. If this happens and you haven t selected a HBF fully covered specialist, then you may have significant out-ofpocket expenses to pay. HBF can t pay benefits towards: Any excess. Any outpatient services (when you are not admitted to a hospital), such as antenatal appointments with your obstetrician, blood tests and screenings and ultrasounds during your pregnancy. Just like a normal GP visit, you can claim a benefit from Medicare for these services. Obstetrician admin or planning fees. Midwife classes or visits. Private hospital benefits Every pregnancy is different but we want to give you an idea of how much it costs to have a baby today. So we ve analysed 2015 HBF claims data to figure out the average cost of having a baby as a private patient at a private hospital. Average costs based on an uncomplicated pregnancy: The total cost of having a baby in a private hospital is $10,500 (this includes hospital accommodation and obstetrics). If you choose a Member Plus hospital and a fully covered obstetrician, HBF will cover 100% of this inpatient cost. For members who don t choose a Member Plus hospital and a fully covered obstetrician, the average out-of-pocket expense for childbirth is $1,200. As you can see, by choosing a Member Plus hospital and a fully covered obstetrician you can save yourself significant out-ofpocket expenses. 7

9 IVF benefits IVF is a type of assisted reproductive technology used to help couples have a baby. HBF covers fertility treatments that are performed in a hospital, such as egg harvesting. However treatments performed in a clinic are classified as outpatient services and are not covered by private health insurance. You may claim a benefit for these treatments from Medicare. We recommend you discuss treatments and costs with your fertility specialist and check with us to see if your policy covers services that can be beneficial to supporting your IVF treatment such as remedial massage and acupuncture. Additional costs for your baby After your baby is born, he or she is considered an outpatient. You won t have to pay for their hospital stay but will have an out-of-pocket cost for the paediatrician who comes to check your newborn. You may also have costs associated with hospital tests or services, such as hearing tests or a whooping cough injection. If eligible, these services can be claimed through Medicare. If your baby needs to have an operation or go to the special care nursery, he or she will be admitted to the hospital as an inpatient. In this case, you ll need to add your baby to your membership and then HBF will cover the costs for hospital accommodation, intensive care and theatre fees in private hospitals in line with your level of cover. 9

10 After your baby arrives Once your little one arrives you ll need to give us a call to add him or her to your policy. If you have a Singles or Couples policy, you ll need to switch to a Family policy. If you do this within 2 months of your baby s birth, your child will be fully protected by your policy and won t have to serve any waiting periods. Once your baby is added to your policy we ll mail you a new member card. Understanding your bills When you have your baby in hospital you can expect at least two types of bills one from the hospital and the other from your specialist(s). Hospital bills Hospitals usually send their bills directly to HBF. However you may receive a hospital bill if you have to pay an excess, the procedure is excluded on your policy or if the hospital doesn t have an agreement with HBF. Please call us if you re not sure why you have been billed. Specialist bills These bills may come from the obstetrician and anaesthetist involved in your hospital stay. You ll only receive bills if your specialist charges above the Medicare Benefit Scheme (MBS) fee or if they don t have an agreement with HBF. To cover some of these out-of-pocket expenses, please lodge any bills with Medicare first. Then submit the Medicare Statement of Benefits and your provider s receipts/ invoices to HBF for benefit consideration. 9

11 Easy ways to claim Claim online Just log in to hbf.com.au/myhbf then click on Make a health claim and upload your original account and receipts. Manual claim form Download a claim form from hbf.com.au and post it to HBF, GPO Box 1440, Perth WA Straight to your bank account Don t forget to enter or confirm your bank account details on all claims so we can credit your benefits directly to your nominated account. To set up or confirm your bank details go to hbf.com.au/myhbf

Overseas Visitors Health Cover Pregnancy Fact Sheet This fact sheet aims to help you understand the Australian healthcare system when having a baby. During your pregnancy Make sure you have health cover

Hospital and Extras Cover Effective from 15 September 2017 Level of cover with Australian Unity Cover availability Excess options $250 $500 HOSPITAL TOP EXTRAS MID SINGLE COUPLE FAMILY EXCESS EXCESS Australian

Cover for pregnancy and childbirth 2017 How we cover pregnancy and childbirth in 2017 The Maternity Benefit covers day-to-day and in-hospital medical expenses for expectant mothers and newborns. Overview

YOU RE IN GOOD HANDS THANK YOU FOR CHOOSING ST VINCENT S PRIVATE HOSPITAL WERRIBEE Welcome to St Vincent s Private Hospital werribee From the moment you step through our doors we re looking out for you

YOU RE ALL ABOUT THEM WE RE ALL ABOUT YOU Our Hospital products provide benefits for a range of services received when you are admitted to hospital as an in-patient. TOPHOSPITAL Top Hospital is our premium

Expecting the BEST for Your New Arrival Your Guide to the Birth Experience at Shady Grove Adventist Hospital 1 hen you re having a baby, you want everything to be just perfect. And nobody Table of Contents

Unique Business Opportunity for Midwives Set up your own Private Practice Copyright Expectancy Ltd 2018 Calling all midwives with a sense of adventure Are you a midwife who s keen to establish your own

(631) 726-8630 www.southamptonhospital.org Dear Mother-to-be, On behalf of Southampton Hospital s Kathleen D. Allen Maternity Center, we would like to extend our congratulations to you and let you know

Having a baby at North Bristol NHS Trust Exceptional healthcare, personally delivered Congratulations on your pregnancy! We hope that you will find this booklet helpful in providing you with useful information

Healthcare Identifiers Service Information Guide Introduction and overview Audience This information guide is intended for all individual healthcare providers and organisations seeking to participate in

SCOPE OF PRACTICE for Midwives in Australia 1 1 ST EDITION 2016. Australian College of Midwives. All rights reserved. This material may be freely reproduced for educational and not-for-profit purposes.

YOUR GUIDE TO CHOOSING A PEDIATRICIAN AND HOSPITAL CHOOSING A PEDIATRICIAN Take the Guesswork out of Choosing your Child s Doctor As a parent, perhaps nothing is more important than your child s health.

MEMBER HANDBOOK Health Net HMO for Raytheon members A practical guide to your plan This member handbook contains the key benefit information for Raytheon employees. Refer to your Evidence of Coverage booklet

Love delivered daily. Love delivered daily. NEW PARENT Handbook When you re having a baby, you want everything to be just perfect. And nobody understands that better than we do. Baylor Scott & White Medical

The Salvation Army WA: Corporate Volunteering Opportunities 2013 The Salvation Army WA: Corporate Volunteering Opportunities Each year The Salvation Army in Australia, provides assistance to over one million

CONTINUITY OF MIDWIFERY CARE PROGRAM Are you expecting a baby? and Are you interested in sharing your journey through pregnancy, birth and early parenting with a midwife student? ARE YOU EXPECTING A BABY?

MY CROHN S AND COLITIS CARE YOUR GUIDE Sometimes living with IBD is frustrating but having the right information and support has helped me to feel more in control of my life. Melissa, 44 Diagnosed with

MIDWIFERY GRADUATE PROGRAM - 2018 Our program gives you the opportunity to explore all clinical areas of midwifery such as Birth Suite, Ante/Postnatal ward & Level 5 Special Care Nursery. For graduates

Baby Friendly Health Initiative Information for Maternity Facilities Congratulations on taking the first step in helping your maternity facility achieve Baby Friendly accreditation! You will find all the

Medical information form Here to help +44 (0) 1892 556274 Available day or night, 365 days a year Please send your completed form to: Upload or secure email via: axapppinternational.com/members Fax: +44

Overview of good practices on safe delivery Excerpt from Tata Kelola Persalinan Aman (Kinerja 2014) Kinerja 2015 http://www.kinerja.or.id 1 Introduction Kinerja has worked in the field of safe delivery

2016: Issue 9 View this email in your browser Welcome from Nnenna Osuji I hope this edition of GP e-news finds you well as we near the end of this eventful year. We know that every NHS Trust has a place

spotlight MAY 2013 THe liga InAn PRoJeCT TIMOR-LESTE BACKgRoUnd Putting health into the hands of mothers The Liga Inan project, TimorLeste s first mhealth project, is changing the way mothers and midwives

ILLINOIS 2017 ISSUE I MEMBER FOCUS CAHPS : Health Care Quality From Your Point of View Consumer Assessment of Healthcare Providers and Systems (CAHPS) is a survey. It asks members about the care they received.

Standards for competence for registered midwives The Nursing and Midwifery Council (NMC) is the nursing and midwifery regulator for England, Wales, Scotland and Northern Ireland. We exist to protect the

HEALTHCARE BY AMERICANS, FOR AMERICANS Important Information for New Members We are happy welcome you our caring, committed community for sharing medical costs. Your welcome packet contains helpful information

FRQUENTLY ASKED Q &A s for new & no so new NPs ACC NPs can sign ACC initial assessment M45 s and ARC 18 s for on-going time off work related to an approved ACC claim - either claim can include Sensitive

Looking after the backbone of Britain Business Health Select Private healthcare for small and medium businesses Jack of all trades card V1-09.04.14 Cornerstone V1-09.04.14 ack of all trades J ack of all

This is an advertisement Healthy together Care and coverage that fits your life The right plan for families. $0 primary care visits for children with improved Standard Option. kp.org/feds Federal employees

Aetna Open Access POS II The Aetna Open Access Point-of-Service (POS) II Options combine the advantages of managed healthcare with the freedom of traditional medical coverage. With the POS options, every

Patient survey report 2009 Survey of adult inpatients in the NHS 2009 The national survey of adult inpatients in the NHS 2009 was designed, developed and co-ordinated by the Acute Surveys Co-ordination

Health Visiting Service Children s Services / Community & Therapy Services North Lincolnshire This leaflet has been designed to give you important information about the Health Visiting Service. How can

Traveling as a Kaiser Permanente member: VISITING MEMBER SERVICES STAY HEALTHY ON THE GO Getting the care you need while traveling in other Kaiser Permanente regions or Group Health Cooperative service

HOSPITAL PASSPORT When you come into hospital we want to make sure that we care for you really well. This passport gives hospital staff important information about YOU and a brief account of any additional

Part I. New York State Laws and Regulations PRENATAL CARE ASSISTANCE PROGRAM (i.e., implementing regs on newborn testing program) (SEE NY Public Health Law 2500f for HIV testing of newborns FOR STATUTE)

The 4 th ASEAN & Japan High Level Officials Meeting on Caring Societies: Support to Vulnerable People in Welfare and Medical Services Collaboration of Social Welfare and Health Services, and Development

Family Birth Center Orientation Booklet St. John Medical Center stjohnmedicalcenter.net Welcome to the Family Birth Suites at St. John Medical Center. The journey you have started with us will take you

Patient survey report 2010 Survey of adult inpatients in the NHS 2010 The national survey of adult inpatients in the NHS 2010 was designed, developed and co-ordinated by the Co-ordination Centre for the

STEP-BY-STEP GUIDE Is It Time for In-Home Care? Helping Your Loved Ones Maintain Their Independence and Quality of Life 2015 CK Franchising, Inc. Welcome to the Comfort Keepers Guide to In-Home Care Introduction

HPSM Medi-Cal Benefits A Guide on How to Get Your Health Care Health care and insurance benefits can be difficult to understand. This guide introduces you to your basic Medi-Cal benefits, to the Health

PLAN FEATURES Annual Deductible The maximum out-of-pocket limit applies to all covered Medicare Part A and B benefits including deductible. Hearing aid reimbursement does not apply to the out-of-pocket

SAFE ACCESS TO ONLINE RECORDS CASE STUDY HOW TO PROMOTE ONLINE GP SERVICES TO PATIENTS CASE STUDY Page 1 of 4 Tell your patients about it at a time they need it. This is how staff at the Lighthouse Medical

Preserving Dignity Through Independence at Home Benefits Of Hiring A Home Care Agency Are you noticing changes in your aging parents that make you concerned about their safety at home? Are they chronically

II. Hospital/Birthing Facility, Birth Attendant Protocols and Responsibilities A. PROTOCOLS FOR NEWBORN HEARING SCREENING 1. INFORMED CONSENT It is important that parents are given information in advance